This free math curriculum is helping over 9,000 math teachers answer the age-old question, “when am I going to use math in real life?” with confidence.

The NGPF Financial Algebra Course engages students with real-world financial applications while maintaining deep mathematical rigor. Each of the course’s 10 units blends one core personal finance topic with one relevant math concept (e.g. Investing and Exponential Functions).

  • Grade Level(s): 9-12
  • Standards Alignment: National Standards for Personal Financial Education, Common Core Mathematics
  • Format(s): Google Drive, Desmos Activities
  • Assessments: 1x Final Exam per Unit, Final Course Exam
  • Cost: FREE, and always will be


  • Units 1-9 available now. Remaining unit to be released September 2022. See Course Overview for full release calendar.
  • Click a unit below to access all the lesson resources & answer keys




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View Taxes & Fundamentals of Algebra Unit Plan >

FA-1.1 Fractions & Tax Dollars

FA-1.2 Your Paycheck


FA-1.3 What is a Function?

FA-1.4 Types of Taxes


FA-1.5 Graphing a Function

FA-1.6 The U.S. Tax System


FA-1.7 Piecewise Functions

FA-1.8 File Your Taxes

View Checking & Linear Equations Unit Plan >

FA-2.1 How Checking Works


FA-2.2 Beware of Banking Fees


FA-2.3 Linear Growth Patterns

FA-2.4 Writing Linear Equations

FA-2.5 Graphing Linear Equations

FA-2.6 Online and Mobile Banking


FA-2.7 Scatter Plots and Linear Regression

View Saving & Systems of Equations Unit Plan >

FA-3.1 Why Save?


FA-3.2 Graphing Systems of Equations

FA-3.3 Writing Linear Equations in Standard Form

FA-3.4 Manipulating Equations

FA-3.5 Challenges to Saving


FA-3.6 Strategies to Save


FA-3.7 Solving by Substitution

FA-3.8 Solving by Elimination

FA-3.9 Where to Save


FA-3.10 Specialized Saving Accounts

View Budgeting & Systems of Inequalities Unit Plan >

FA-4.1 Budgeting for Teens


FA-4.2 Graphing Linear Inequalities

FA-4.3 Budgeting Strategies


FA-4.5 Graphing a System of Inequalities

FA-4.6 Budgeting for Fixed Costs


FA-4.7 Budgeting for Variable Costs


FA-4.8 Constraints and Optimization

FA-4.9 Complete a Budget

View Intro to Investing & Exponential Functions Unit Plan >

FA-5.1 Why Should I Invest?


FA-5.2 Exploring Exponential Growth

FA-5.3 Writing Exponential Equations

FA-5.4 Stocks


FA-5.5 Exponential Change

FA-5.6 Bonds, Allocation, and Diversification


FA-5.7 Design a Portfolio

View Investing Strategies & Exponential Functions Unit Plan >

FA-6.1 Investing in Funds


FA-6.2 Types of Funds


FA-6.3 Graphing Exponential Functions

FA-6.4 Exponential Regression

FA-6.5 Develop an Investing Strategy


FA-6.6 Intro to Logarithms

FA-6.7 Investing for Retirement

View Types of Credit & Modeling Functions Unit Plan >

FA-7.1 Credit Basics


FA-7.2 Compound Interest Formula

FA-7.3 Auto Loans and Mortgages


FA-7.4 Student Loans


FA-7.5 Recursive Sequences

FA-7.6 Building an Amortization Spreadsheet

FA-7.7 Credit Cards

View Managing Credit & Fundamentals of Statistics Unit Plan >

FA-8.1 Managing Debt


FA-8.3 Your Credit History


FA-8.5 Credit Scores


FA-8.6 Why Your Credit Score Matters

View Paying For College & Statistical Analysis Unit Plan >

FA-9.1 The Costs and Benefits of College


FA-9.2 Correlation vs Causation

FA-9.4 Applying for the FAFSA


FA-9.5 Grants, Scholarships, and Loans


FA-9.6 Interpreting Regression Models

FA-9.7 Financial Aid Packages


FA-9.8 Evaluating Statistical Claims